Nangona kunjalo, qaphela ukuba ukhethe inkqubo yesenzo esifanelekileyo ukuze ungalimazi ikhredithi yakho, enokukuhlawula ixesha elide.
Funda kwiingcebiso zethu malunga nokwenza ntoni ukuba awukwazi ukuhlawula imali yakho.
Musa ukujika iMoto kwiBhanki
Emva kokuba uzimisele ukuba awukwazi ukuthenga imoto yakho unokulingwa ukuba uyeke ukuhlawula kuyo, kwaye umane uwubuyisele kwi-bhanki, okanye uvumele ukuba bawubuyisele kwakhona . Nangona oku kukhethwa kukho, akunjalo isilumko.
Kwenye, oku kuya kubachaphazela kakubi amanqaku akho . Ukongezelela, oku akunakukukhulula kwiimbopheleleko zemali osuke unayo kwimboleko. Xa ibhanki ithengisa imoto, uya kuba neentlukwano phakathi kwezinto ezithengiswa yimoto kunye nento obolekisileyo ngemali mboleko, ebizwa ngokuba yintsilelo . Uya kuhlawulwa nayiphi na iindleko zokubuyisela .
Musa ukuThengisa imoto ibe ngumthengisi
Unokugqiba ukurhweba imoto kwixabiso elingabizi kumthengisi. Ngoxa le nto inokuthi iyancipha inkokhelo yakho yenyanga, uya kufuneka uhlawule imali oyenayo kwimoto yakho endala.
Ngokuqhelekileyo, umthengisi uya kuqwalasela nayiphi na imali eyimali oyimali mboleko kwimali elandelayo yemboleko yemoto . Oku kuthetha ukuba uya kugxininiswa ngembolekiso yakho (oku kuthetha ukuba uya kuhlawulisa ngaphezu kokuba imoto ifanele), kwimoto yakho entsha. Nangona kunjalo, oku kunokunciphisa intlawulo yakho yenyanga kwaye unokukufanelekela okokude, kuxhomekeke kwiimeko zakho.
Thengisa Imoto
Okukhethwa kukho kukuzama ukuzithengisa imoto ngokwakho , ngoko uthabathe umboleko wemboleko ukuze uhlawule umlinganiselo kwimali oyimali. Xa ugqiba ukuthengiswa kwangasese, unako ukufumana ngaphezulu imoto kunokuba ungathanda ukuyithengisa kumthengisi, ekubeni unqamle umntu ophakathi.
Unokuzibuza ukuba ukutsalwa kwemboleko ukuhlawula ibhalansi eseleyo imoto yakho isilumko, kodwa kuya kukunceda ukunciphisa ityala lakho lonke. Kwakhona kuxhomekeke kwisixa osasikweleta kwimoto yakho, iintlawulo zenyanga leyo le mboleko iya kuba nayo, kwaye inzala inokuthi uyakwazi ukuyifumana. Qinisekisa ukuba oku akukho ngaphezu koko uhlawula iintlawulo zeemoto kwindawo yokuqala.
Thenga Intengo ephantsi ngeCash
Emva kokuba uthengise imoto yakho yangoku, unokufuna ukucinga ngokuthenga imoto engabizi, ngakumbi ukuba ufuna imoto ebomini bakho bemihla ngemihla, njengokungena emsebenzini, ukuthenga ukutya, ukuya kwindawo yokuzivocavoca kunye nokunye okunjalo. (Ngaphambi kokuba uthenge enye imoto, ke ke, jonga inkqubo yokuthutha kawonkewonke kwisixeko sakho ukuze ubone ukuba iyona ndlela inokwenzeka kwaye ukuba ufuna ngokwenene imoto. )
Ukuba wenze isigqibo sokuba ufuna imoto, zama ukuhlala kwisabelomali esiyiyo, njengama-$ 1,000. Ngaloo ndlela, unokuhlawula imali kwaye ukhuphe ukufumana iintlawulo zeemoto, eziza kukhulula imali eyongezelelweyo ukuhlawula imali ebalwayo yemali yakho yemboleko.
Nangona kunjalo, khumbula ukuba xa uthenge imoto endala, kufuneka ucwangcise ukulungiswa kwemoto eyongezelelweyo kunye neengxowa-mali zakho . Ukugcina oku engqondweni kukunceda ugcine uhlahlo lwabiwo-lwabiwo-mali kwaye ugweme ukungena kwi-matyala ngokuhlawula ukulungiswa kwemoto kunye nokungazalindelanga.
Qala ngokuphanda ngeemoto ezinokuthenjwa, kwaye ube nomatshini ojonge phezu kwemoto phambi kokuba uyithenge. Qiniseka ukuba wenze uphando lwakho, ngoko ufumana imoto eya kulungelelanisa iimfuno zakho onokuzifumana. Ukhangele ngakumbi kwi-injini kunokuba kubonakale ukubonakala kweemoto.
Kuyakwazi ukufumana imoto ethembekileyo ebiza kakhulu. Yaye ukhumbule ukuba ukulungiswa kweemoto ezininzi kuya kuba ngaphantsi kwenkokhelo yemoto eyimali. Kwakhona, ukuba uya kuhamba ukhangele imoto encinci ngokubhekiselele kwi-SUV enkulu, eya kukuvumela ukuba ulondoloze kwiindleko zombane .
Oku kuya kukhulula imali engaphezulu uze ubeke kuyo ekuphumeni kwetyala.
Ukuhlaziywa nguRachel Morgan Cautero.